Uber and Lyft Accident Claims in Washington

Washington requires a primary commercial auto policy covering a rideshare vehicle whenever the driver is logged in and whenever a passenger is aboard. Before a ride is accepted: liability of at least $50,000 per person and $100,000 per accident for bodily injury and $30,000 for property damage, plus underinsured motorist and personal injury protection coverage as required by state law. During a prearranged ride: a $1 million combined single limit for death, injury and property damage, plus personal injury protection; and from the time a passenger enters until the passenger exits, underinsured motorist coverage of $100,000 per person and $300,000 per accident. If the driver's policy lapses or does not cover, the company must provide the coverage from the first dollar.

Drivers must carry liability insurance (or another approved form of financial responsibility) of at least $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $10,000 for property damage.

Pure comparative fault. An injured person's own fault reduces their damages proportionately but does not bar recovery, no matter how large their share of fault.

Three years for any injury to the person or rights of another not otherwise listed in the limitations statutes.